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出口信用保险是以鼓励本国出口企业扩大出口贸易,开拓海外市场为出发点的。同时为本国出口企业承担由于进口国政治风险(包括战争、外汇管制、进口管理和颁布延期付款等)和进口商商业风险(包括破产、拖欠和拒收)而引起的收汇损失的政策性险种,作为一种特殊保险业务,它既可以保障出口企业在应收账款发生损失时得到及时的经济补偿,又可以使企业取得防范收汇风险的建议,从而采取灵活的贸易支付条件扩大出口。
Export credit insurance is to encourage their export enterprises to expand export trade, open up overseas markets as a starting point. At the same time, it is also responsible for its own export enterprises for policy-based insurance against foreign exchange losses caused by political risks in the importing country (including war, foreign exchange control, import control and issuance of deferred payment, etc.) and commercial risks of importers (including bankruptcy, arrears and refusals) As a special insurance business, it can not only ensure that exporters get timely economic compensation when there is a loss of receivables, but also make the enterprises get advice on preventing foreign exchange risks so as to expand their exports with flexible trade payment conditions.